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    • I have a feeling you have a LOC on the way, from those lovely people at ALLIANCE PARKING. We got one a few weeks back for the same NTK date and location as yours .. 🤬
    • The "grief tech" firms helping users create talking avatars of their dead relatives.View the full article
    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Have you been defaulted for bank charges? Prepare to take action


BankFodder
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5227 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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  • 2 months later...

Believe me HSBC is really taking the p's ... they have calculated bank charges on my account for dd that was rejected and for the past 3 years have been applying interest on them. The funny part of this is, I did not even recieve a notice of default on my account nor did I receive any letter due top change of student accommodation..

 

I think they are going MAD:).....

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  • 3 weeks later...
  • 2 weeks later...

Sorry farmgirl , I missed this because you've posted on a 'sticky' - :).

 

Was it just the one charge on First Direct ? If so, might be as well to let it ride ............

 

If he has charges on his Barclaycard they may be reclaimable.....

 

Can you open up your own thread so that others can come in with advice ? :)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

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Oops ! sorry farmgirl - I should have said... there's a new thread button at the top and bottom of the threads page......... :)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 3 months later...

I've recopied it fta, but I had no problem accessing it :

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/149449-put-your-credit-reference.html#post1581179

 

hope it's ok now .

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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My mistake, it was actually the second link I couldnt access...Apologies

 

Here is the error message I get:

 

"

FightThemAll, you do not have permission to access this page. This could be due to one of several reasons:

 

  1. Your user account may not have sufficient privileges to access this page. Are you trying to edit someone else's post, access administrative features or some other privileged system?
  2. If you are trying to post, the administrator may have disabled your account, or it may be awaiting activation."

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I got the same message fta, - maybe a moderator can access it for you ?

 

Or , it might not be worth the hassle ........:D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 6 months later...

hmmm i m new to here so i dont know if i m posting in the right place i am 19 years old and left my uni course at xmas to reapply for another i have been on jobseekers since then and had a few odd jobs since. I have been living on less than £60 a week. I have a contract phone from before i was on benefits and you cant really get out of them very easily so that 335 a month. I can afford it but the calender my jobseekers goes in on and the dates my phone bill comes out do not match. every month almost i get charged for going overdrawn on my debit account from. it ranges from being £5 to £50

overdrawn because of my phonebill or my jobseekers coming in late. Every month i am charged between £25 to £50 for this i have tried so many times to set up a small overdraft so it dosnt happen but they wont lets me and try to sign me up for a credit card. i m only 19 i dont want one but i cant cope with them taking all this money i really am pretty broke. I have even been into the bank to explain my situation with money and my phone bill but they just sent me this snotty letter saying there fees were fair and basically i should either get a loan or a credit card.

if there is anyway i can claim back the £100s they have charged me I reallly would like to. I am really struggling and all they seem to want to do is take money from people who really cant afford it.

 

any advice would be gratefully recieved

thankyou x

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Hi tristanrose , welcome to the forum :)

 

could \i ask you to please open your own thread on this , (by using the 'NEW THREAD' button at the top or bottom left of the main HSBC forum) . If you just copy and paste your current message , it'll ensure you get info that's directly for you ... and can't be confused with anyone else's queries .... Thanks !

 

I'll keep an eye out for your thread , and you'll always get an answer from someone on here , ......we're user-friendly . :D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 4 weeks later...

If you're out there tristanrose ...... please come back and ask if you still need help :)....... it wasn't my intention to put you off :eek:..... just to set up your own dedicated thread ..

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Hi cdflad, I've replied to this on your own thread , to keep it within your queries ..... that way you don't get answers meant for someone else .... :D .

 

This thread is actually a sticky ...... :)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 1 month later...

Hi,

 

Which Bank are you with.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Welcome to the forum Theresa, :)

 

Don't give up now .......if we can help we will...... you only have to ask ....

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 2 months later...
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